OppFi Pitch Deck

5 Exceptional Unit Economics. Illustrative Lifetime Value of a Customer $1,657 ($692) Revenue Realized 1 2 Net Write offs MOIC ~2.0x ($200) ($138) ($92) $535 Acquisition Cost 3 1. 2. Note: Customer average length is 2.5 loans, with 11 month weighted average life. -75% of lifetime contribution occurs after the first loan Revenue realized based on amortization schedule adjusted for prepay (lost interest income) and refinancing Represents write-offs net of recoveries assuming ~40% of revenue realized is written-off 3. Assumes $200 cost per funded loan (CPF) on new loans; refinance loans incur no acquisition cost 4. Includes customer center personnel costs (servicing and origination), underwriting and bank processing fees 23 5. 6. Represents interest expense paid by Company on debt-financed loan portion (82% of original loan) Represents pre-tax income per new loan origination Servicing Cost 4 Interest Expense 5 6 Lifetime Contribution OppFi

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